[Resolved] HDFC Bank — disapproval of credit card application

abhi443

from Indore, Madhya Pradesh

Oct 10, 2017

Address: 380059

Hi, i applied for a credit card (Hdfc bank diners rewardz card) on 23rd august 2017. Some 25 days back one guy from the bank came and collected all the documents and said that the card will be given within 11 days.

My application ref. No. Is [protected]w3.

I kept on checking the status after 11 days and it was always "in process".
On 06-oct-2017 i raised a request to hdfc bank asking for current status and on 09-oct-2017 i got a mail from hdf bank stating disapproval of the application because of internal policy of the bank.

My concern is simple, the bank had all my documents from 23rd august 2017 so why should it take more than 50 days to just inform an applicant that the application got disapproved that too without any details.

The current status as it shows:-

We believe that you deserve to have a hassle-free banking experience with hdfc bank. Therefore, to ensure that you are aware of your credit card application status, we have introduced a simple process to track the progress of your application.
Application reference number
[protected]w3
Status
Disapproved
Remarks
Disapproval of the credit card application does not reflect in anyway on your credit standing or your financial stability
Click here for more information on the status of your application.

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Nov 15, 2017

Complaint marked as Resolved

HDFC Bank customer support has been notified about the posted complaint.

Verified Support

Oct 10, 2017

HDFC Bank Customer Care's response Dear Customer,

On receipt of your complaint, we have ascertained that your credit card application had been reviewed as per internally laid down policy guidelines of the Bank. The said application, however did not meet the eligibility criteria which is combination of financial / related criteria and operating /credit processes (which includes verifications, credit bureau reports and document verifications). Hence credit facility was not offered to you and we reiterate that our inability to approve your credit card application does not in anyway reflect on your credit standing and your financial stability.

-Bejoy
HDFC Bank Customer Assistance

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Comments

golujulie

from Ahmedabad, Gujarat

Dec 10, 2018

Hi, i applied for a credit card (Hdfc bank ) on 30 November 2018. Some 3 days Latter one guy from the bank came and collected all the documents and said that the card will be given within 11 days.

My application ref. No. Is [protected]w3.

I kept on checking the status after 03 days and it was always "in process".
On 06-Dec-2018 i raised a request to hdfc bank asking for current status and on 07-Dec-2018 i got a mail from HDFC bank stating disapproval of the application because of internal policy of the bank.

My concern is simple, the bank had all my documents from 03rd December 2018 so why should it take more than 10 days to just inform an applicant that the application got disapproved that too without any details.

The current status as it shows:-

We believe that you deserve to have a hassle-free banking experience with hdfc bank. Therefore, to ensure that you are aware of your credit card application status, we have introduced a simple process to track the progress of your application.
Application reference number
[protected]w3
Status
DECLINE